CN105631657A - Payment method based on non-contact type mobile payment terminal - Google Patents
Payment method based on non-contact type mobile payment terminal Download PDFInfo
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- CN105631657A CN105631657A CN201410621444.7A CN201410621444A CN105631657A CN 105631657 A CN105631657 A CN 105631657A CN 201410621444 A CN201410621444 A CN 201410621444A CN 105631657 A CN105631657 A CN 105631657A
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Abstract
The invention relates to the technical field of non-contact type payment, and provides a payment method based on a non-contact type mobile payment terminal. The payment method includes the following steps: a mobile phone client activates a non-contact payment card, generates a loading instruction according to a preset recharge limit of the non-contact payment card, and sends the loading instruction to an intermediate account management system; the intermediate account management system verifies the validity of the loading instruction; the intermediate account management system judges whether the cash balance in an intermediate account is larger than the preset recharge limit, if yes, the preset recharge limit is loaded from the intermediate account to the non-contact payment card, if no, an intermediate account recharge prompt is sent out through the mobile phone client, and then loading is performed, thereby ensuring that a total capital sum loaded and occupied in all cards can be controlled at the lowest limit while the balance of each card can be normally consumed, and solving the problem existing in the prior art that accounts are mutually independent and thus capital is not easy to manage.
Description
Technical field
The present invention relates to contactless payment technologies field, particularly relate to a kind of method of payment based on non-contact mobile payment terminal.
Background technology
Contactless payment refers to based on the micro-electronic cash bill payment that the financial IC card meeting the PBOC3.0 standard that the People's Bank promulgates realizes, this technology is widely used in small amount payment field under the lines such as city bus all-purpose card, campus card, stored value card, provides great convenience for user's current consumption.
Along with hardware technological development, can realize completing contactless payment with mobile phone by having the hardware such as the mobile phone terminal of near-field communication function (NFC), SIM chip, and further the micro-electronic cash account of multiple support contactless payments is integrated in a mobile phone by physically or logically mode, realizing a card (machine) many bill payment, user is no longer necessary to preserve and manage multiple physical cards.
Existing based on NFC mobile phone and/or comprise the various schemes of the SIM cards of mobile phones meeting PBOC3.0 standard finance IC card chip, the multiple accounts being integrated are different because of card issuer and application scenarios, independent of one another exist, it is therefore desirable to the operation such as carry out that circle is deposited, consumes and reported the loss respectively. In addition, due to independent of one another between each account, it is thus desirable to individually management deposited by circle, the electronic cash depositing certain amount will be enclosed to card when user often opens a card, a considerable amount of card is had cannot remotely to return remaining sum after using, the remaining sum causing every card upper remaining quantity not wait, causes fund to disperse not manageability, and long-term accumulated get off can the bigger waste of cause the user. In sum, prior art exists the not manageable problem of the fund owing to causing independently of one another between each account.
Summary of the invention
It is an object of the invention to provide a kind of method of payment based on non-contact mobile payment terminal, it is intended to solve for the not manageable problem of the fund existed in prior art owing to causing independently of one another between each account.
The present invention is achieved in that a kind of method of payment based on non-contact mobile payment terminal, and described method of payment comprises the following steps:
A. cell-phone customer terminal activates non-contact payment card, and supplements amount with money according to described non-contact payment card default and generate circle and deposit instruction, and described circle is deposited instruction is sent to intermediate account management system;
B. the legitimacy of instruction deposited by circle described in described intermediate account management system verification;
C. described intermediate account management system judges whether the closing balance in intermediate account supplements amount with money more than described presetting, and is, then deposit described presetting from described intermediate account circle and supplement amount with money to described non-contact payment card, no, then perform step D;
D. described intermediate account management system sends intermediate account Recharge Promotion by described cell-phone customer terminal, and returns execution step C.
Also include after described step B:
Described intermediate account management system judges that whether described presetting supplements amount with money more than preset value, is that prompting user inputs password on cell-phone customer terminal and is verified, and performs step C after being verified, no, then perform step C.
The default of described non-contact payment card supplements the self-defined amount of setting during the general amount or user Kai Ka that amount is non-contact payment card with money.
The default amount of supplementing with money of described non-contact payment card is that described intermediate account management system carries out, according to the amount of money that described intermediate account circle is deposited, the general amount that statistics generates.
The default amount of supplementing with money of described non-contact payment card is that described intermediate account management system carries out, according to consumption time, consumption place and spending amount, the dynamic amount that statistics generates.
Also including after described step D: after described non-contact payment card completes payment, non-contact payment card electronic cash management module judges that whether the remaining sum in described non-contact payment card is more than default minimum account balance, no, then return and perform step A.
Described method of payment is further comprising the steps of:
Described cell-phone customer terminal generates loss reporting command according to the request of reporting the loss of user, and described loss reporting command is sent to described intermediate account management system;
User is carried out authentication by cell-phone customer terminal after receiving loss reporting command by described intermediate account management system;
Described intermediate account management system, after user is passed through by described authentication, locks described intermediate account and deposits function to the dynamically circle of non-contact card.
A kind of method of payment based on non-contact mobile payment terminal provided by the invention, after user opens the non-contact payment card of more than by cell-phone customer terminal, have only to supplement with money to intermediate account, just can pass through dynamically to enclose technology of depositing and realize having activated each the management of non-contact payment card electronic cash account balance, and when ensureing that every card remaining sum can normally be consumed, all card inner rings are deposited the capital investment taken and controls at bottom line, solve the not manageable problem of the fund existed in prior art owing to causing independently of one another between each account.
Accompanying drawing explanation
In order to be illustrated more clearly that the technical scheme in the embodiment of the present invention, the accompanying drawing used required in embodiment or description of the prior art will be briefly described below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the premise not paying creative work, it is also possible to obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the flow chart that an embodiment of the present invention provides the method for payment based on non-contact mobile payment terminal;
Fig. 2 is the flow chart that another kind embodiment of the present invention provides the method for payment based on non-contact mobile payment terminal;
Fig. 3 is the flow chart that another kind embodiment of the present invention provides the method for payment based on non-contact mobile payment terminal.
Detailed description of the invention
In order to make the purpose of the present invention, technical scheme and advantage clearly understand, below in conjunction with drawings and Examples, the present invention is further elaborated. Should be appreciated that specific embodiment described herein is only in order to explain the present invention, is not intended to limit the present invention.
In order to technical scheme is described, illustrate below by specific embodiment.
An embodiment of the present invention provides a kind of method of payment based on non-contact mobile payment terminal, as it is shown in figure 1, method of payment comprises the following steps:
Step S101. cell-phone customer terminal activates non-contact payment card, and supplements amount with money according to non-contact payment card default and generate circle and deposit instruction, and circle is deposited instruction is sent to intermediate account management system.
In the present embodiment, Mobile payment terminal can be electronic installation arbitrary, that can communicate with other equipment, including, but not limited to: the combination of PC, handheld device, electronic plane, personal digital assistant (PDA), mobile phone, network home appliance, camera, video camera, smart mobile phone, network base station, media player, navigator, electronic mail equipment, game station, automatic information system (such as the entertainment systems with control panel) and aforementioned device.
In the present embodiment, compatible card many accounts implementation includes but not limited to following three kinds of modes: the first is use NFC mobile phone and meet the common SIM cards chip of PBOC3.0 standard; The second is use common smart mobile phone and meet PBOC3.0 standard and the SIM chip with NFC antenna; The third is for using NFC mobile phone, common SIM cards chip and SD card etc.
In the present embodiment, as presetting a kind of embodiment supplementing amount with money, the default of non-contact payment card supplements the general amount that amount is non-contact payment card with money.
Concrete, when non-contact payment card is as mass transit card, in different cities, single takes advantage of the maximum of public transport to be 10 yuan, then be set to the default of non-contact payment card by 10 yuan and supplement amount with money.
As presetting the another embodiment supplementing amount with money, the default of non-contact payment card supplements the self-defined amount arranged when amount is user Kai Ka with money.
Concrete, user can supplement amount with money by the default of sets itself non-contact payment card.
As presetting the another embodiment supplementing amount with money, the default amount of supplementing with money of non-contact payment card is that intermediate account management system carries out, according to the amount of money that intermediate account circle is deposited, the general amount that statistics generates.
As presetting the another embodiment supplementing amount with money, the default amount of supplementing with money of non-contact payment card is that intermediate account management system carries out, according to consumption time, consumption place and spending amount, the dynamic amount that statistics generates.
The legitimacy of instruction deposited by step S102. intermediate account management system verification circle.
Step S103. intermediate account management system judges whether the closing balance in intermediate account supplements amount with money more than presetting, and is, then perform step S104, no, then perform step S105.
Step S104. deposits to preset from intermediate account circle and supplements amount with money to non-contact payment card,
Step S105. intermediate account management system sends intermediate account Recharge Promotion by cell-phone customer terminal, and returns execution step S103.
Intermediate account is supplemented with money by the online mode supplemented with money by the closing balance that step S103 to step S105 is mainly used in intermediate account less than when presetting and supplement amount with money.
Concrete, intermediate account management system points out user to supplement with money by cell-phone customer terminal, on cell-phone customer terminal, such as show that dialog box prompting user supplements with money, user is filled in by client and supplements order with money, it is committed to intermediate account management system, complete to supplement with money to intermediate account, after intermediate account has been supplemented with money, continue executing with and deposit to the circle of the non-contact payment card electronic cash account that is activated when secondary.
Another kind embodiment of the present invention provides a kind of method of payment based on non-contact mobile payment terminal, as in figure 2 it is shown, method of payment comprises the following steps:
Step S201. cell-phone customer terminal activates non-contact payment card, and supplements amount with money according to non-contact payment card default and generate circle and deposit instruction, and circle is deposited instruction is sent to intermediate account management system.
The legitimacy of instruction deposited by step S202. intermediate account management system verification circle.
Whether step S203. intermediate account management system judges to preset supplements amount with money more than preset value, is then perform step S204, no, then perform step S205.
Step S204. points out user to input password on cell-phone customer terminal and is verified, and performs step S205 after being verified.
Step S205. intermediate account management system judges whether the closing balance in intermediate account supplements amount with money more than presetting, and is, then perform step S206, no, then perform step S207.
Step S206. deposits to preset from intermediate account circle and supplements amount with money to non-contact payment card,
Step S207. intermediate account management system points out user that intermediate account is supplemented with money by cell-phone customer terminal, and returns execution step S205.
After step S208. non-contact payment card completes payment, non-contact payment card electronic cash management module judges that whether the remaining sum in non-contact payment card is more than default minimum account balance, no, then return and perform step S201, be, then perform step S209.
Step S209. flow process completes.
Another kind embodiment of the present invention provides a kind of method of payment based on non-contact mobile payment terminal, as it is shown on figure 3, method of payment is further comprising the steps of:
Step S301. cell-phone customer terminal generates loss reporting command according to the request of reporting the loss of user, and loss reporting command is sent to intermediate account management system;
User is carried out authentication by cell-phone customer terminal after receiving loss reporting command by step S302. intermediate account management system;
Step S303. intermediate account management system is after user is passed through by authentication, and locking intermediate account deposits function to the dynamically circle of non-contact card.
Step S301 is to step S303's in order that realize when mobile phone is lost or intermediate account account, online reporting the loss is carried out when password is stolen, concrete, when mobile phone is lost or intermediate account account, when password is stolen, pass through note, phone, the number of ways such as client, manage system to intermediate account and assign account loss reporting command, , after intermediate account management system receives loss reporting command, authentication is carried out (such as to reporting the loss initiator, verify reserved information etc. of opening an account), complete intermediate account after being verified to report the loss, freeze dynamically to be enclosed by intermediate account and deposit function to activating non-contact payment card simultaneously.
Describe technical scheme in detail with specific embodiment below, " whole nation is logical " (for Beijing, city, Shanghai two) will be become " city leads to ":
1) by downloading Beijing, Shanghai two city one-card managing customer end, activated by cell-phone customer terminal, complete to open in the air card;
2) after arriving Beijing, start Beijing Public Transport E-card management client, triggered by cell-phone customer terminal and deposit the amount of money from intermediate account circle;
3) according to the admission fee of Beijing's current subway one ticket and the city regular public traffic circuit information such as high admission fee, calculating odd-numbered day public transport consumption minimum charge is 10 yuan, then the amount of money deposited by this circle is 10 yuan, simultaneously it is not less than 2 yuan not affect that once swiping the card is limited by the subway and arrange the interior minimal balance of card, again encloses when lower than 2 yuan and deposit;
4) as in Beijing lose mobile phone or account stolen, can report the loss by approach such as phone, note, clients, even if mobile phone lost, when secondary lose card account fund lose be up to 10 yuan;
5) when user leaves Beijing, after arriving Shanghai, repeat above-mentioned 1-4 step, realize swiping the card payment in national public transit system with a mobile phone, especially for the interim user handled affairs in other places, remaining sum in the mass transit card of other places can be kept low, reduce fund waste and increase use power, also bring more small amount holder for various places state card simultaneously.
A kind of method of payment based on non-contact mobile payment terminal provided by the invention, after user opens the non-contact payment card of more than by cell-phone customer terminal, have only to supplement with money to intermediate account, just can pass through dynamically to enclose technology of depositing and realize having activated each the management of non-contact payment card electronic cash account balance, when ensureing that every card remaining sum can normally be consumed, all card inner rings are deposited the capital investment taken and controls at bottom line.
A kind of method of payment based on non-contact mobile payment terminal provided by the invention, intermediate account completes the dynamically circle of every card is deposited by contactless payment space transference interface, do not change the PBOC3.0 standard that contactless payment is followed, need not transform the accepting terminal of every kind of card yet. For card issuer, when not increasing more equipment and fund input, add funds source and holder's population size in card.
Above content is in conjunction with concrete preferred implementation further description made for the present invention, it is impossible to assert that specific embodiment of the invention is confined to these explanations. For general technical staff of the technical field of the invention; make some equivalent replacements or obvious modification without departing from the inventive concept of the premise; and performance or purposes are identical, the scope of patent protection that the present invention is determined all should be considered as belonging to by submitted claims.
Claims (7)
1. the method for payment based on non-contact mobile payment terminal, it is characterised in that described method of payment comprises the following steps:
A. cell-phone customer terminal activates non-contact payment card, and supplements amount with money according to described non-contact payment card default and generate circle and deposit instruction, and described circle is deposited instruction is sent to intermediate account management system;
B. the legitimacy of instruction deposited by circle described in described intermediate account management system verification;
C. described intermediate account management system judges whether the closing balance in intermediate account supplements amount with money more than described presetting, and is, then deposit described presetting from described intermediate account circle and supplement amount with money to described non-contact payment card, no, then perform step D;
D. described intermediate account management system sends intermediate account Recharge Promotion by described cell-phone customer terminal, and returns execution step C.
2. method of payment as claimed in claim 1, it is characterised in that also include after described step B:
Described intermediate account management system judges that whether described presetting supplements amount with money more than preset value, is that prompting user inputs password on cell-phone customer terminal and is verified, and performs step C after being verified, no, then perform step C.
3. method of payment as claimed in claim 1 or 2, it is characterised in that the default of described non-contact payment card supplements the self-defined amount of setting during the general amount or user Kai Ka that amount is non-contact payment card with money.
4. method of payment as claimed in claim 1 or 2, it is characterised in that the default amount of supplementing with money of described non-contact payment card is that described intermediate account management system carries out, according to the amount of money that described intermediate account circle is deposited, the general amount that statistics generates.
5. method of payment as claimed in claim 1 or 2, it is characterised in that the default amount of supplementing with money of described non-contact payment card is that described intermediate account management system carries out, according to consumption time, consumption place and spending amount, the dynamic amount that statistics generates.
6. method of payment as claimed in claim 1 or 2, it is characterized in that, also include after described step D: after described non-contact payment card completes payment, non-contact payment card electronic cash management module judges that whether the remaining sum in described non-contact payment card is more than default minimum account balance, no, then return and perform step A.
7. method of payment as claimed in claim 1 or 2, it is characterised in that described method of payment is further comprising the steps of:
Described cell-phone customer terminal generates loss reporting command according to the request of reporting the loss of user, and described loss reporting command is sent to described intermediate account management system;
User is carried out authentication by cell-phone customer terminal after receiving loss reporting command by described intermediate account management system;
Described intermediate account management system, after user is passed through by described authentication, locks described intermediate account and deposits function to the dynamically circle of non-contact card.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410621444.7A CN105631657A (en) | 2014-11-06 | 2014-11-06 | Payment method based on non-contact type mobile payment terminal |
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| CN201410621444.7A CN105631657A (en) | 2014-11-06 | 2014-11-06 | Payment method based on non-contact type mobile payment terminal |
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| WO2019033994A1 (en) * | 2017-08-16 | 2019-02-21 | 阿里巴巴集团控股有限公司 | Method and device for account creation, account refilling and data synchronization |
| CN110264215A (en) * | 2019-06-20 | 2019-09-20 | 徐州独角兽信息科技有限公司 | One kind being used for administrative affairs of village card supervising platform system |
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Application publication date: 20160601 |